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Certificate & Savings Secured Loans

Certificate & Savings Secured Loans

SSSCU secured loans, such as savings or certificate secured loans, feature attractive rates of interest and terms. Leaving your savings in place, you continue to earn interest, while you take advantage of using the loaned funds.

  • Capitalize on deposits without depleting funds
  • Pledge your certificates or savings account(s)* balance as collateral
  • Rate is fixed at 3.00%APR over the savings or certificate rate being used for collateral
  • Up to 100% of security held on deposit
  • Borrow up to the maximum balance of account minus $25. (Minimum loan amount, $100.)
  • Maximum 144 months repayment schedule
  • Flexible repayment schedules: weekly, biweekly, monthly

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Loan Rates

Certificate & Savings Secured Loans

Loan AmountTermsAPR*
Balance of Savings/CertificateUp to 144 months3.00% over Savings/Certificate Rate
Note: All loans subject to credit approval, verification, and collateral evaluation.

* Deposits held in Money Market accounts and IRAs are not eligible to be offered as collateral
*Annual Percentage Rate

Certificate and Savings Secured Loans 1
Certificate and Savings Secured Loans 2
American Share Insurance
Equal Housing Lender